RINTRAL TRADING, SL (hereinafter, "Nebeus"), with registered tax address at CARRER DE LA LLACUNA Nº 11, P. 3, 08005 BARCELONA, and with Tax ID (NIF) B66096686, registered in the Bank of Spain registry of providers of virtual currency exchange services for fiat currency and electronic wallet custody services under number D664, and currently in the process of obtaining authorisation as a crypto-asset service provider (CASP) from the Comisión Nacional del Mercado de Valores (CNMV) pursuant to Regulation (EU) 2023/1114 ("MiCA"), has organised the promotion entitled "Webinar Loan Bonus" (hereinafter, the "Promotion"), which shall be carried out in accordance with these Terms and Conditions (hereinafter, the "Terms").
The purpose of this Promotion is to grant a discount (hereinafter, the "Bonus") to the attendees (the "Participants") of the webinar organised by Nebeus on 26/05/2026 (hereinafter, the "Webinar"), applicable as a discount on the origination fee of a crypto-collateralized loan (the "Loan") contracted through the Nebeus platform (hereinafter, the "Platform"), in accordance with the conditions set out in these Terms.
Nebeus designs this Promotion in good faith, and that same good faith is expected from the participants. Any behaviour that seeks to exploit the Promotion in an abusive, fraudulent or contrary-to-spirit manner may result in the exclusion of the Participant and forfeiture of the Bonus.
The Promotion is addressed exclusively to natural persons of legal age with lawful residence in Spain.
The participation period begins immediately after the Webinar on 26/05/2026 and shall end thirty (30) calendar days after that date (the "Application Period").
Loan disbursement must take place no later than forty-five (45) calendar days after the Webinar date (the "Disbursement Period").
If the Loan is applied for outside the Application Period, or if disbursement does not take place within the Disbursement Period, the Participant shall automatically forfeit their right to the Bonus, with no right to compensation.
The Promotion is available to natural persons of legal age and lawful residence in Spain who cumulatively meet the following requirements:
Employees of Nebeus or of its group companies, their direct family members, profiles that have manipulated or attempted to manipulate the participation process, are not eligible to participate in the Promotion.
The Bonus consists of a percentage discount applicable to the Loan's origination fee, calculated on the principal of the Loan and currently set at two percent (2%) in accordance with Nebeus's general commercial conditions. The discount shall be determined according to the principal tranche of the executed and disbursed loan, as follows:
| Principal range | Origination fee (2%) | Bonus | Maximum saving |
|---|---|---|---|
| Up to €10,000 | Up to €200 | 10% on the fee | Up to €20 |
| From €10,001 to €50,000 | Up to €1,000 | 15% on the fee | Up to €150 |
| From €50,001 | Up to €5,000 | 20% on the fee | Up to €1,000 |
The 20% bonus applicable to the highest tier is capped at an absolute maximum of one thousand euros (€1,000), which is reached for loans with a principal of two hundred and fifty thousand euros (€250,000). For loans with a principal exceeding €250,000, the maximum applicable discount shall remain one thousand euros (€1,000).
For the purposes of applying the Bonus, the principal tiers are set in euros (EUR). Where the Loan is denominated in US dollars (USD), the EUR/USD exchange rate published by the European Central Bank (ECB) at the close of the business day immediately preceding the date of execution of the Loan shall apply.
The Bonus is limited exclusively to a reduction of the Loan origination fee and does not modify the interest rate, the Loan-to-Value (LTV) ratio, the term, the required collateral or any other financial condition of the Loan.
The Bonus shall be applied automatically as a direct discount on the origination fee at the moment of Loan disbursement. Accordingly:
The specific loan conditions (amount, collateral, term, interest rate, Loan-to-Value ratio and other economic terms) shall be those in force at the time of the application and shall be governed by the terms and conditions of the documents executed for each Loan.
In addition to the previous clause, the following limitations apply:
Participants may waive the Bonus obtained by respective notification to Nebeus. Such waiver shall in no case give rise to any right to financial compensation.
Nebeus shall be exempted from any liability in the event of errors in the data provided by Participants that prevent the correct application of the Bonus.
The Bonus is structured as a commercial discount applicable to the origination fee of the loan, operating as a reduction in the price of the financial service provided. It does not constitute a capital gain, monetary return, benefit in kind or any other type of income subject to withholding or prepayment.
Due to its nature as a discount on the price of the service, the Bonus does not constitute income, return, benefit in kind or any other tax concept subject to declaration or advance payment by Nebeus, unless a specific tax rule provides otherwise.
For accounting and invoicing purposes, the origination fee shall be documented at its net amount, after application of the discount corresponding to the Bonus.
The foregoing is without prejudice to the general tax obligations that may apply to the Participant based on their individual tax situation. Nebeus recommends that Participants consult their tax advisor in case of doubt.
In compliance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (GDPR) and Organic Law 3/2018 of 5 December on Personal Data Protection and Digital Rights Guarantees (LOPDGDD), RINTRAL TRADING, SL ("Nebeus"), with Tax ID B66096686 and registered address at CARRER DE LA LLACUNA Nº 11, P. 3, 08005 BARCELONA, acts as data controller for the personal data of Participants in the Promotion. Personal data shall be processed for the following purposes:
The legal bases for the processing are as follows: (i) for the management, organization and execution of the Promotion and the application of the Bonus, the performance of these Terms accepted by the Participant and, where applicable, the taking of pre-contractual steps at the Participant's request (Article 6(1)(b) GDPR); (ii) for compliance with legal obligations applicable to Nebeus, including those arising from anti-money laundering and counter-terrorist financing regulations and tax regulations, compliance with a legal obligation (Article 6(1)(c) GDPR); and (iii) for the sending of commercial communications, the Participant's consent (Article 6(1)(a) GDPR).
The data will be retained for the time necessary to fulfil the purpose for which they were collected and, thereafter, will be blocked for the legally required periods for the limitation of any potential liabilities. In particular, the documentation and information obtained in application of due diligence measures (KYC) will be retained for a minimum period of ten (10) years from the end of the contractual relationship.
Participants may exercise their rights of access, rectification, erasure, restriction of processing, data portability and objection, as well as the right not to be subject to automated decisions, by contacting Nebeus in writing at the above address or via email at legal@nebeus.com. They may also lodge a complaint with the Spanish Data Protection Agency (www.aepd.es) if they consider that the processing of their data does not comply with applicable regulations.
Personal data may be disclosed to public administrations, authorities and public bodies where required by applicable law.
Nebeus does not carry out international data transfers on a regular or systematic basis. The main processing infrastructure, including servers, databases, authentication systems, operational logs and internal tools, is hosted in the European Union and operated by providers that comply with European data protection standards.
Only in exceptional cases, and where strictly necessary for the provision of certain technological services, may there be limited access from outside the European Economic Area by providers acting as data processors. In such cases, Nebeus ensures that any transfer is carried out in accordance with Articles 44 to 49 of Regulation (EU) 2016/679, applying mechanisms such as standard contractual clauses, transfer impact assessments (TIA), enhanced confidentiality obligations and additional technical measures, including pseudonymisation or robust encryption techniques.
Nebeus does not disclose personal data to third parties located outside the EU for commercial, marketing or any other purposes unrelated to the fulfilment of its legal obligations or the provision of the service.
To the extent that loan approval and risk and credit checks may involve decisions based solely on automated processing that produce legal effects or significantly affect the Participant, the Participant has the right to obtain human intervention in the decision-making process, to express their point of view and to contest the decision, in accordance with Article 22 of the GDPR and as provided in Nebeus's automated decision-making policy.
The Participant guarantees the accuracy and ownership of the personal data provided, and shall be solely responsible for any direct or indirect damage that may arise from a breach of this obligation.
Nebeus shall consider as fraudulent those behaviours that appear abusive, malicious or contrary to good faith, including but not limited to:
Detection of any such practices shall entail automatic disqualification of the Participant, cancellation of the Bonus and, where applicable, termination of the Loan in accordance with the contractual terms, without prejudice to any legal actions that may follow.
Nebeus reserves the right to take legal action against any person engaging in acts that may be considered criminal offences or civil or administrative violations.
Nebeus reserves the right to modify, suspend or cancel the Promotion during its development where objective and justified causes arise due to force majeure, technical, operational, regulatory or other reasons, without this giving rise to any right to compensation in favour of Participants.
Without prejudice to any rights legally afforded to Participants, Nebeus shall be exempted from any liability arising from:
For the purposes of Regulation (EU) 2023/1114 on markets in crypto-assets (MiCA), and any other applicable regulations on advertising, client and consumer protection, the following is noted:
MANDATORY WARNING: Products and services related to crypto-assets involve significant risks, may not be suitable for all investors and may result in the total or partial loss of invested capital. Crypto-collateralized loans may result in the total or partial liquidation of the collateral. Please assess your knowledge, experience and financial situation before contracting.
Participation in the Promotion implies full and unconditional acceptance of these Terms. Total or partial non-acceptance of these Terms shall preclude participation in the Promotion.
Matters not expressly provided for in these Terms and Conditions, the provisions set forth in the terms and conditions of the loan agreement entered into between the Participant and Nebeus shall apply.
These Terms are governed by Spanish law. For the resolution of any dispute arising from their interpretation or application, the parties submit to the jurisdiction and competence of the Courts of the city of Barcelona, expressly waiving any other jurisdiction to which they may be entitled.
These Terms are available to participants at https://support.nebeus.com/portal/en/kb/articles/webinar-loan-bonus.
In Barcelona, on 26/05/2026.